Prior Authorizations vs Referrals

People often wonder if their Medicare plan requires “prior approval” for health services they may need to obtain.  Almost always, what they mean to ask is “Does my Medicare plan require referrals?” A referral is an order from your Primary Care Doctor (PCP) to see a specialist or receive certain medical services from some providers. […]

Is a MediGap Plan Right for You?

You have a couple of choices when it comes to supplementing original Medicare; a Medigap (also known as a Medicare Supplemental) policy or a Medicare Advantage plan. While Medicare Advantage plans are heavily advertised and often have lower monthly premiums, they can expose the insured to high levels of utilization costs when compared to Medigap […]

Is It Possible to Reduce My Medicare Part B Premium?

If you are paying more than $170.10 per month in 2022 for your Medicare Part B, read on! While most people I speak with who are nearing Medicare age know they must pay certain monthly premiums when they enroll in Medicare, most do not realize that their Medicare premiums can be higher based upon their […]

Difference Between the Medicare Open Enrollment Period and Annual Enrollment Period

The Medicare Annual Enrollment Period, or “AEP,” begins October 15th and ends December 7th.  During the AEP, people can make changes to either their Medicare Advantage Part C plan or their Stand-alone Medicare Part D prescription drug plan.  Plan changes made during the AEP are effective January 1st. The Medicare Open Enrollment Period, or “OEP,” […]

Medicare Premiums Increases for 2022

Each year Medicare adjusts its premiums and utilization costs for the upcoming year. These adjustments are published by Medicare towards the end of the calendar year and are effective January 1st of the upcoming year. While you can find these costs and premiums on, you will need to peruse the website significantly to gather […]

Steps to Make the Most of the 2022 Medicare Annual Enrollment Period

Medicare’s annual enrollment period, or AEP, begins October 15th and ends December 7th. During the Medicare AEP people enrolled in either a Medicare Advantage Part C plan or a Medicare Prescription Drug Part D plan can make changes to their plans for the upcoming calendar year. People can make as many changes as they want […]

2021 AEP

The Medicare Annual Enrollment Period (“AEP”) begins October 15th and continues until December 7th. If you are enrolled in a Medicare Advantage Part C plan or a Medicare Prescription Part D plan, you can review your plan options during AEP and make any necessary changes to your coverage. Any changes you make during AEP are […]

2021 Medicare Part D Coverage Phases

Often times the most confusing component of Medicare for people to fully comprehend is Medicare Part D prescription drug coverage. Medicare Part D works rather different from prescription drug coverage provided through most job-based or affordable care act health insurance plans. Here are the four phases of Medicare Part D prescription drug coverage that you […]